As per your post:
-’Date of Last Payment 22-09-2009 Date Closed - Date Reported & Certified 31-12-2016’
The default is reported is reported after 7 years of Date of Last Payment 22-09-2009.
Written off is adverse entry and shall affect your credibility.
-DEFAULT STATUS: Suit Filed/Willful Default
Clear entry is not mentioned.
You would be aware if any suit was filed.
CC companies are known to file in, Credit Camps Special Lok Adalats for which you alone would know if any notice was supplied to you.
NO lender may advance any loan to you.
If you have not acknowledged debt since 7years then it might be hopelessly time barred.